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How it works

A clear process. Five steps. No surprises.

Every case runs through the same five stages. The shape stays the same. What changes is the work inside each stage, depending on whether we are challenging a CIFAS marker, lifting a CCJ, or putting a credit file back together.

How it works

Five steps. No surprises.

The process below is the one we run for every client. Same shape, different specifics depending on what we are putting right.

  1. 01

    A first conversation

    30 minutes, free

    Tell us what is going on. We listen, we ask the questions that matter, and we tell you whether this is something we can help with. If it is not, we will say so.

  2. 02

    Investigation

    1 to 2 weeks

    We submit Subject Access Requests to the relevant banks, bureaus and agencies. We pull the full picture of what has been recorded against your name and where the weak points are.

  3. 03

    Strategy

    2 to 3 days

    We write up a plan: which entries to challenge, in what order, on what grounds. You see it before any letter goes out.

  4. 04

    Execution

    2 to 8 weeks

    We file the disputes, manage every reply, escalate to the FOS where needed, and chase the slow ones. You get an update every week, sometimes more.

  5. 05

    Resolution

    Ongoing, included

    When the marker is lifted, the CCJ set aside, or the entry corrected, we pull a fresh report so you can see the change. We stay on hand for follow up questions.

Start with a free first call No obligation. Confidential by default.

A few honest notes on timelines

Most timelines depend on the bank, not on us. A CIFAS dispute has a 28 day formal response window. The Financial Ombudsman has internal SLAs of around eight to sixteen weeks for substantive cases. The civil court works on its own schedule. We file every dispute and every chase letter the day it is due. We cannot speed up the bits that are not in our hands.

What we can guarantee is responsiveness. You will hear from us at least weekly while a case is live. You will hear from us within 24 hours when something material lands, even on weekends. Cases stuck in waiting periods get a short check in update so you know nothing is broken.

CIFAS marker
4 to 12 weeks
Credit file dispute
2 to 6 weeks
CCJ set aside
4 to 12 weeks

Ready to get this sorted?

Tell us what is going on. We will be honest about whether we can help, and how long it is likely to take.

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